HMDA Dataset Info¶

<class 'pandas.core.frame.DataFrame'>
Index: 3533892 entries, 0 to 4456613
Data columns (total 19 columns):
 #   Column                            Dtype  
---  ------                            -----  
 0   race                              object 
 1   sex                               object 
 2   co_applicant                      object 
 3   age                               object 
 4   income                            float64
 5   loan_amount                       int64  
 6   property_value_ratio              float64
 7   mortgage_term                     object 
 8   debt_to_income_ratio              object 
 9   combined_loan_to_value_ratio      float64
 10  tract_to_metro_income_percentage  object 
 11  white_population_pct              float64
 12  metro_name                        object 
 13  metro_code                        object 
 14  metro_size_percentile             object 
 15  state_code                        object 
 16  county_code                       object 
 17  census_tract                      object 
 18  loan_outcome                      object 
dtypes: float64(4), int64(1), object(14)
memory usage: 539.2+ MB
None
race sex co_applicant age income loan_amount property_value_ratio mortgage_term credit_model debt_to_income_ratio combined_loan_to_value_ratio main_underwriter tract_to_metro_income_percentage lender_type lender_size white_population_pct metro_name metro_code metro_size_percentile state_code county_code census_tract loan_outcome lender_id fips
4426539 White Female No co-applicant Less than 25 53.0 175000 1.310 30 year mortgage Equifax Unmanageable (43-49%) 99.910 Technology Open to Approved Lenders Middle (80-120%) Banks 109832 79.233776 Owensboro, KY 36980 10th percentile 21 059 21059001701 Loan originated (approved) QFROUN1UWUYU0DVIWD51 21059
304219 Asian Male Co-applicant 55 through 64 166.0 435000 3.085 Less than 30 years Equifax Manageable (36-42%) 55.794 Desktop Underwriter Middle (80-120%) Independent Mortgage Companies 22169 74.334303 Camden, NJ 15804 80th percentile 34 005 34005700800 Loan originated (approved) 549300KBWX4NV5Q1E376 34005
2484276 White Male Co-applicant 35 through 44 124.0 65000 2.248 30 year mortgage More than one Healthy (<36%) 12.264 Desktop Underwriter Upper (>120%) Independent Mortgage Companies 4626 85.838533 Charlotte-Concord-Gastonia, NC-SC 16740 90th percentile 37 119 37119005833 Loan originated (approved) 549300E8HNQO52YYHI82 37119

Mortgage outcomes in HMDA data¶


Applicant Characteristics¶

co_applicant
No co-applicant    1966616
Co-applicant       1558662
NA                    8614
Name: count, dtype: int64

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What leads to loan denials?¶

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Are disparities focused in any geographic areas?¶

Denial rates in the Chicago metropolitan area:¶

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